Under this Delta Dental plan, you may see any dentist. However, your out-of-pocket costs are lower when you use a dentist on Delta's Preferred Provider Option (PPO)Preferred Provider Organization (PPO)A health care plan that has a contractual agreement with providers to offer health care services at discounted, negotiated fees within a network.  The PPO plans may require some cost-sharing with deductibles, copays and/or coinsurance.   list.

Once you meet the deductible, you'll be responsible for a percentage of your covered costs, known as coinsuranceCoinsuranceThe portion of expenses that you have to pay for certain covered services, calculated as a percentage. For example, if the coinsurance rate is 20%, then you are responsible for paying 20% of the bill, and the insurance company will pay 80%. . Adults age 19 or older are eligible for the orthodontic benefitOrthodontic CoverageA treatment that aligns a person’s teeth, which may include the use of braces. with this plan.

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Features and Considerations
Plan Type PPO Provider Network Premier ProviderPremier Delta Dental ProviderA non-PPO provider that has negotiated a higher fee allowance. You will pay more out-of-pocket expenses. Network** Non-Participating***
Plan Year Benefit $2,500* $2,500* $2,500*
Deductible (Children under 13 exlcuded) $25 per person $75 per peson $75 per person
Preventative & Diagnostic Services 0% coinsurance and no deductible 0% coinsurance and no deductible 0% coinsurance and no deductible
Basic ServicesBasic Dental ServicesIncludes fillings, endodontics (root canal), periodontics (gum disease) and oral surgery (extractions). Refer to each plan’s summary for further details. 20-25% coinsurance 40-50% coinsurance 40-50% coinsurance
Major ServicesMajor Dental ServicesIncludes crowns, bridges, partials, dentures, implants. Refer to each plan’s summary for further details. 25% coinsurance 60% coinsurance 60% coinsurance
OrthodonticsOrthodontic CoverageA treatment that aligns a person’s teeth, which may include the use of braces. 40% coinsurance after deductible 60% coinsurance after deductible 60% coinsurance after deductible
* Combination of in and out-of-network services.
** The Premier percentage of benefits is limited to the Premier Maximum Plan Allowance.  		 *** The non-participating percentage of benefits is limited to the non-participating Maximum Plan Allowance. You will be responsible for the difference between the non-participating Maximum Plan Allowance and the full fee charged by the dentist.